Uninsured motorist coverage protects you if you\u2019re hit by a driver who has no insurance. Despite Wisconsin law requiring all drivers to carry minimum liability insurance, many drivers still operate vehicles without coverage. If you\u2019re hit by an uninsured driver, UM coverage helps pay for medical bills, lost wages, and other damages you\u2019d normally seek from the at-fault driver\u2019s insurance.<\/p>\n\n\n\n

In Wisconsin, all auto insurance policies must include uninsured motorist coverage with at least the following minimum limits:<\/p>\n\n\n\n

\n
• $25,000 per person<\/strong>\u00a0for bodily injury<\/li>\n\n\n\n
• $50,000 per accident<\/strong>\u00a0for bodily injury<\/li>\n<\/ul>\n\n\n\n

  These minimum limits may not be enough in a severe accident, so it\u2019s often wise to purchase higher coverage limits for added protection.<\/p>\n\n\n\n

  Understanding Underinsured Motorist Coverage (UIM)<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

  Underinsured motorist coverage applies when the at-fault driver has insurance, but their policy limits are too low to cover all your damages. In Wisconsin<\/a>, UIM coverage helps bridge the gap between what the at-fault driver\u2019s insurance pays and your total damages.<\/p>\n\n\n\n

  While Wisconsin law does not require<\/strong> underinsured motorist coverage, insurers must offer it, and many drivers opt to include it in their policies. Common coverage limits start at:<\/p>\n\n\n\n

  \n
  • $50,000 per person<\/strong>\u00a0for bodily injury<\/li>\n\n\n\n
  • $100,000 per accident<\/strong>\u00a0for bodily injury<\/li>\n<\/ul>\n\n\n\n

    Higher limits can provide greater financial security, especially in cases involving serious injuries.<\/p>\n\n\n\n

    Why is UM\/UIM Coverage Important?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

    \n
    1. Financial Protection<\/strong>\u00a0\u2013 Medical bills and lost wages from an accident can be substantial. UM\/UIM coverage ensures you\u2019re not left paying out-of-pocket if the at-fault driver lacks sufficient insurance.<\/li>\n\n\n\n
    2. Hit-and-Run Accidents<\/strong>\u00a0\u2013 If you\u2019re the victim of a hit-and-run and the driver is never found, uninsured motorist coverage can help cover your damages.<\/li>\n\n\n\n
    3. Peace of Mind<\/strong>\u00a0\u2013 You can\u2019t control whether other drivers follow the law, but you can protect yourself with adequate UM\/UIM coverage.<\/li>\n<\/ol>\n\n\n
       \n

       <\/figure><\/div>\n\n\n

       How UM\/UIM Coverage Relates to Personal Injury Claims<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

       When you\u2019re injured in an accident caused by an uninsured or underinsured driver, filing a\u00a0personal injury claim<\/a>\u00a0can help you recover compensation for medical bills, lost income, pain and suffering, and other damages. If the at-fault driver lacks sufficient insurance, your UM\/UIM coverage can be used to cover your expenses.<\/p>\n\n\n\n

       However, insurance companies may try to minimize payouts, even under your own UM\/UIM policy. A personal injury attorney\u00a0<\/a>can help negotiate with insurers and ensure you receive the compensation you deserve. Legal representation can be crucial when dealing with complex claims, denied benefits, or low settlement offers.<\/p>\n\n\n\n

       How to Choose the Right UM\/UIM Coverage<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

       While Wisconsin requires a minimum level of UM coverage, it\u2019s often a good idea to purchase higher limits<\/strong> to better protect yourself and your family. When selecting coverage, consider:<\/p>\n\n\n\n

       \n
       • Your health insurance coverage (and potential gaps)<\/li>\n\n\n\n
       • Your income and ability to cover expenses if you\u2019re injured<\/li>\n\n\n\n
       • The number of uninsured or underinsured drivers on the road<\/li>\n<\/ul>\n\n\n\n

         Consulting a personal injury lawyer<\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n

         Uninsured and underinsured motorist coverage is a crucial safety net for Wisconsin drivers. Without it, you could be left paying out-of-pocket for medical expenses and lost wages if you\u2019re hit by an uninsured or underinsured driver. Reviewing your policy and choosing adequate UM\/UIM limits can provide financial security and peace of mind in case the unexpected happens.<\/p>\n\n\n\n

         If you\u2019ve been injured in a car accident involving an uninsured or underinsured driver, consulting with a personal injury lawyer <\/a>can help you understand your rights and pursue the compensation you deserve.<\/p>\n\n\n\n

         At Bykhovsky Law<\/a>, we understand that car accidents affect more than just your physical health. With years of experience handling personal injury cases, we\u2019re committed to fighting for the full compensation you deserve. Contact us<\/a> today for a FREE CONSULTATION<\/strong> with our personal injury attorney.<\/p>\n","protected":false},"excerpt":{"rendered":"

         Being injured in a car accident can be one of the most terrifying experiences you’ll ever have to endure. In fact, every year, about 3 million Americans are injured in auto accidents. Here in Wisconsin last year, there were 23,747 injury crashes with 540 of them being fatal accidents. Even if you recover from your injuries, it can still be hard financially if you don’t get the compensation you deserve. Here are six basic steps you need to take if you’re injured in a vehicle accident, along with the importance of using an experienced\u00a0 personal injury lawyer.<\/p>\n","protected":false},"author":1,"featured_media":7200,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[42,250,162,234,233,6,4,163,46,164,23,52,50,171,251,252,59,11,38,15,5,188,229,53,51],"class_list":["post-7192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-injury","tag-auto-accident","tag-auto-insurance","tag-car-accident-attorney","tag-car-accident-evidence","tag-car-accident-injuries","tag-car-accident-injury-claim","tag-car-accident-lawyer","tag-car-accident-milwaukee","tag-car-accident-personal-injury","tag-car-accident-wisconsin","tag-milwaukee-lawyer","tag-milwaukee-personal-injury-attorney","tag-milwaukee-personal-injury-lawyer","tag-motor-accident","tag-motorist-coverage","tag-motorist-coverage-wisconsin","tag-personal-injury","tag-personal-injury-attorney","tag-personal-injury-case","tag-personal-injury-claim","tag-personal-injury-lawyer","tag-personal-injury-wisconsin","tag-wisconsin-motor-accident","tag-wisconsin-personal-injury-attorney","tag-wisconsin-personal-injury-lawyer"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/posts\/7192","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/comments?post=7192"}],"version-history":[{"count":4,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/posts\/7192\/revisions"}],"predecessor-version":[{"id":7201,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/posts\/7192\/revisions\/7201"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/media\/7200"}],"wp:attachment":[{"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/media?parent=7192"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/categories?post=7192"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/byklaw.com\/wp-json\/wp\/v2\/tags?post=7192"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}